FlowCredit Intelligence

Cashflow-Based Credit Line Assessment for NBFCs

A credit intelligence workbench for NBFC officers. Analyze borrower cashflows, assess risk, and generate credit line recommendations with consistency and speed.

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What FlowCredit Does

Cashflow Analysis

Ingest bank statements or manual financials to compute monthly inflow, surplus, and volatility.

Risk Evaluation

Risk bands (A/B/C) with confidence scores and clear reasoning for consistent underwriting.

Credit Recommendation

Suggested credit limit, EMI, tenure, and ROI band based on cashflow and policy.

Decision Workflow

Approve, modify, or reject with logged decisions and policy version for audit.

How It Helps NBFC Officers

  • 1Faster decisions — Get cashflow metrics and risk band in one place instead of spreadsheets.
  • 2Consistent policy — Recommendations aligned to your ROI and tenure bands, with clear rationale.
  • 3Audit-ready — Every decision logged with timestamp and policy version for compliance.
  • 4Built for officers — Designed for credit officers, not consumers. No clutter, no gimmicks.

How It Works

1

Enter borrower details

Capture profile and financial data—upload statements or enter figures manually.

2

Review analysis

See cashflow summary, risk band, and credit recommendation in one dashboard.

3

Record decision

Approve, modify, or reject. Your decision is logged for audit and reporting.

Ready to run an assessment?

Start a new credit analysis and get a recommendation in minutes.

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